round the world travel insurance

• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for medical-only coverage
• Best for family coverage
• Best for long trips
• Why You Should Trust Us

Best International Travel Insurance 2024: Your Ultimate Guide to Safe and Secure Adventures Abroad

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance of 2024 Summary

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for medical-only coverage: GeoBlue Travel Insurance
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

Top International Travel Insurance Companies Comparison

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most U.S. health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best International Travel Insurance Overall

Allianz travel insurance.

Allianz offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allianz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review .

Best International Travel Insurance for Exotic Trips

World nomads travel insurance.

World Nomads offers coverage for over 300 adventure activities and sports, so you can focus on the adventure without worrying about gaps in your coverage. Both its Standard and Explorer plans cover a wide array of sports. Most activities will be covered under the Standard plan, but extreme sports like skydiving and scuba diving below 165 feet are only covered in the Explorer plan.

Another added benefit of the World Nomads plan is that plans are available after departure. Though if you purchase a plan after you leave for your trip, you'll have to wait 72 days before your coverage kicks in. 

World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review .

Best International Travel Insurance for Trip Interruption

C&f travel insured.

C&F offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review .

Best International Travel Insurance for Medical Coverage

Geoblue travel insurance.

GeoBlue offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue travel insurance review .

Best International Travel Insurance for Family Coverage

Travelex travel insurance.

Travelex offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance.

Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex travel insurance review .

Best International Travel Insurance for Long Trips

Seven corners travel insurance.

Seven Corners offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review .

How to Find the Right International Travel Insurance Company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find the cheapest travel insurance that still meets your needs.

You can use insurance aggregators like Squaremouth , InsureMyTrip , or VisitorsCoverage to directly compare rates.

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

We ranked and assigned superlatives to the best travel insurance companies based on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Read more about how Business Insider rates travel insurance .

International Travel Insurance FAQ

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

Yes, you can travel to multiple countries under one travel insurance policy, but you should tell your insurance provider about your travel plans as it may change your premiums. 

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family 

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days. 

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension   If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

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Medical and Repatriation

Medical Cover is the most important part of your travel insurance. Our Premier policy covers up to £10m for hospitalisation, medical and repatriation expenses, up to £5m for our standard and up to £2m for our budget policies.

Easy to Re-new or Extend

Big Cat allows you to re-new or extend your travel insurance whether you are at home or abroad. It doesn't matter if you are already travelling you can buy or re-new your policy from anywhere in the world via online access to our system.

Free Home Visits

If you feel homesick at any time, so long as your policy duration is more than 4 months, you can pop home to see family and friends at any time, however many times you choose. Covers stops as soon as you arrive home and starts again as soon as you depart..

Cover for 156+ Activities

Whether you'll be scuba diving, jet skiing, bungee jumping, sky diving, trekking above 2,500m or kayaking. Our Activity Packs can cover various levels of adventurous sports.

Get Cover if Already Travelling

You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you're residential status is still in the UK or EU. Just follow the Quote form to get a price and complete your purchase.

Working While Abroad

Non manual / clerical work such as office work or  teaching English  as a foreign language is covered for free, if you'll be  volunteering ,  WWOOFing  or partaking in any sort of manual labour,  like working on a ranch  or  conservation work , our Activity Pack can cover you.

Helicopter Rescue included

24 hour emergency helpline, up to £10m medical cover, extend cover on the go, round the world travel insurance.

Clearly for such an extended adventure, using multiple flights and stop-overs, it is extra important that you have the right amount of RTW travel insurance to cover a range of activities and all manner of varied circumstances. For your own peace of mind, it’s wise to think carefully about the type of cover you might need should mishaps occur while you are thousands of mile from home. Big Cat Round the World Travel Insurance is designed to deal with those eventualities and ensure that you can enjoy your travels to the full. And don’t forget, with Big Cat if you want your grand trip to last even longer, you can extend your RTW travel insurance at any time while you are away just by accessing our website.

Key benefits of our Round The World Travel Insurance :

• Worldwide cover for policies up to 24 months.
• Emergency Medical and Repatriation Expenses up to £10 million on Premier policy.
• Emergency Dental Cover up to £350.
• Personal Liability up to £2 million on Premier policy.
• Baggage & Personal effects up to £2,000.
• Gadgets & Valuable Cover up to £1,000.
• Unlimited return trips home, subject to conditions.
• No return ticket requirement.
• No altitude limits with our extreme activity pack .
• Over 156 Sports and Activities
• Cover if you wish to undertake light-value or volunteer work.
• Facility to arrange or extend Insurance when already travelling.
• Loss, Damage or Theft to Passports and other documents up to £300

Some FAQ's:

Emergency dental costs to relieve pain and suffering are covered with all of our policies, up to a maximum of £350.

Asthma controlled by no more than 2 inhalers is automatically covered with all of our policies. There's no need to declare it.

(Diagnosis must have been made when the affected person was under the age of 50)

You do not need to call the medical screening helpline in respect of the following automatically covered pre-existing medical conditions, as they are automatically covered at no additional premium provided you do not also have a pre-existing medical condition. If you have a pre-existing medical condition in addition to any of the following automatically covered pre-existing medical conditions all conditions will be excluded from cover, unless disclosed to the medical screening helpline and additional cover agreed in writing.

A cne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),

B lindness or partial sightedness,

C arpal tunnel syndrome, Cataracts, Chicken pox – if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis – provided there is no on-going treatment,

D eafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting – if completely resolved,

E czema, Enlarged prostate – benign only, Essential tremor,

G laucoma, Gout,

H aemorrhoids, Hay fever,

L igament or tendon injury – provided you are not currently being treated,

M acular degeneration, Menopause, Migraine – provided there are no on-going investigations,

N asal polyps,

R SI, Sinusitis – provided there is no on-going treatment,

S kin or wound infections that have completely resolved with no current treatment,

U nder active Thyroid (Hypothyroidism), Urticaria,

V aricose veins in the legs.

To declare any pre-existing medical conditions,

please visit our online medical screening

If you would rather undergo your medical screening by telephone,

please get in touch with us on 01702 427237 and any of our agents will be happy to assist you.

This is a secure and confidential service which allows you to declare any pre-existing medical conditions you may have,

as defined by your Big Cat policy wording.

To declare any pre-existing medical conditions, please visit our online medica l screening service.

If you would rather undergo your medica l screening by telephone, please get in touch with us on 01702 427237 and any of our agents will be happy to assist you. This is a secure and confidential service which allows you to declare any pre-existing medica l conditions you may have, as defined by your Big Cat policy wording. Whilst the medical screening helpline is optional we highly recommend it   as it ensures that if anything happens to you on your trip caused by your pre-existing medical condition, you are completely covered.

You will be advised whether the Pre-Existing Medical Condition may be covered, an optional additional premium may be quoted and whether any amendments will be made to the policy terms and conditions. During this process you will be asked for your personal and travel details, additionally, please have your insurance policy to hand if known. 

If terms can be provided for the condition and you elect to take up the offer of the additional cover, you will be given a medical screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid directly to the medical screening helpline.

Should you not contact the medical screening helpline or not wish to take advantage of the optional terms quoted by the medical screening helpline, you will not be covered for any claims arising directly or indirectly from a Pre-existing Medical Condition.

There is no cancellation or curtailment cover for a Pre-Existing Medical Condition of persons who are not covered by your policy such as a Close Relative , unless disclosed to the medical screening helpline by that same Close Relative and additional cover agreed.

Definition of a Pre-Existing Medical Condition:

a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have ever received treatment (including surgery, tests or investigations by your Medical Practitioner or a consultant/specialist, or prescribed drugs/medication).

  b) Any Medical Condition for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months, or prescribed drugs/medication.

Residents of the United Kingdom MUST enrol with MEDICARE should you require medical treatment in Australia. Registering can be done after the first occasion on which you receive treatment at www.humanservices.gov.au/customerjects/medicare-services . In Patient and out-patient treatment in a public hospital may then be subsidised. Should you be admitted to hospital then immediate contact must be made with the Medical Emergency Assistance Service and their authority obtained in respect of any treatment not available under MEDICARE before such treatment is provided. Your failure to register with MEDICARE or to contact the Medical Emergency Assistance Service may result in a claim being reduced or declined.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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WorldTrips Travel Insurance Review: Is it Worth The Cost?

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

WorldTrips Travel Insurance

• Available to U.S. and non-U.S. residents, including international students.
• All travel protection plans include a pre-existing conditions waiver.
• Cancel For Any Reason add-ons are available on most plans.
• Rental car coverage isn’t automatically included with any plan.
• Baggage delay coverage takes 12 hours to kick in.
• Atlas Journey and Atlas On-The-Go plans aren’t available to non-U.S. residents.

Since 1998, WorldTrips has provided medical insurance and trip protection to travelers from the U.S. and around the world in addition to coverage for international students. The company also provides coverage for various tour groups, missionary work and student exchange programs. The insurance policies are underwritten by Tokio Marine HCC, a Houston-based insurance company.

Whether you’re a U.S. resident looking for comprehensive travel insurance plans or a student looking for a medical-only policy, WorldTrips insurance has coverage options.

What kind of plans does WorldTrips provide?

If you’re a U.S. resident, WorldTrips offers four single-trip comprehensive travel insurance plans: Atlas Cruiser, Atlas Journey Economy, Atlas Journey Preferred and Atlas Journey Premier. Here's a quick overview of the coverage offered by each plan.

Atlas Cruiser: This plan comes with 100% trip cancellation , 100% trip interruption , $25,000 medical expenses, $100,000 medical evacuation and $1,500 baggage loss coverage (up to $500 per item). This plan also offers optional Cancel For Any Reason coverage for up to 75% of the total trip cost (as long as you purchase it within 21 days of your initial trip payment and more than 48 hours before your trip begins).

Atlas Journey Economy: This budget plan covers 100% trip cancellation, 100% trip interruption, $10,000 medical expenses , $250,000 medical evacuation and $1,000 baggage loss (up to $250 per item).

Atlas Journey Preferred: This mid-range plan offers coverage for 100% trip cancellation, 150% trip interruption, $100,000 medical expenses, $1 million medical evacuation and $1,500 baggage loss (up to $500 per item). You can add Cancel For Any Reason coverage for 50% or 75% of the total trip cost.

Atlas Journey Premier: The priciest plan also provides the most coverage, including 100% trip cancellation, 150% trip interruption, $150,000 medical expenses (primary coverage), $1 million medical evacuation and $2,000 baggage loss (up to $500 per item). You have the option to add Cancel For Any Reason coverage for 50% or 75% of the total trip cost.

Non-U.S. residents and international students have access to medical-only policies. Annual plans aren’t available for U.S. residents.

» Learn more: The best travel insurance companies

WorldTrips travel insurance cost and coverage

WorldTrips offers several comprehensive single-trip plans that include basic trip protections and medical coverage. The cost varies based on coverage limits.

WorldTrips single-trip plan cost

Here's a comparison of the cost of WorldTrips insurance plans for a 10-day trip that costs $2,000 for a 35-year-old traveler from California. In our example, the destination isn’t specified, and the trip doesn’t include a cruise.

The Atlas Journey Premier plan comes in at $126, the most expensive option. The Atlas Cruiser plan has a similar cost of $120. The Preferred and Economy plans, which cost $103 and $79, respectively, are a bit cheaper, but come with lower coverage limits.

» Learn more: What to know before buying travel insurance

Which WorldTrips travel insurance plan is for me?

The kind of coverage you’re seeking for your upcoming travels is going to affect your plan selection. Here are a few situations which might influence your decision:

If you’ve made nonrefundable deposits for your trip: If you’re going on a safari to Kenya or on a cruise to Antarctica and you’ve prepaid nonrefundable expenses, you probably want to go with plans that offer more coverage, such as Atlas Journey Preferred or Atlas Journey Premier.

If you need to add on Cancel for Any Reason coverage: For single-trip insurance plans, go with either Atlas Cruiser, Atlas Journey Preferred or Atlas Journey Premier because they offer this optional upgrade.

If travel insurance is mandatory and you hold a premium travel rewards credit card : If a tour operator requires you purchase travel insurance but you hold a credit card that already provides some trip protections, you can probably get away with the least expensive Atlas Journey Economy policy.

» Learn more: What does travel insurance cover?

How to get a quote from WorldTrips

To get an online quote, go to the WorldTrips home page and select whether you’re a U.S. resident, a non-U.S. resident or an international student. If you’re a U.S. resident, click on that box, then fill out the form to price your plan.

Make sure to provide your state of residence, total trip cost, departure and return dates, traveler’s age and initial trip payment date. If you’re going on a cruise, be sure to check the box. Once the form is complete, select “View my plans” and compare the plan types.

What isn’t covered by WorldTrips insurance?

As with any travel insurance policy, there are some exclusions to coverage. Here’s a sampling of things WorldTrips doesn’t cover:

Intentional self-inflicted injuries, including suicide.

War, invasion or acts of foreign enemies.

Speed or endurance competitions as well as athletic stunts.

Piloting or learning how to pilot an aircraft.

Being engaged in illegal activities.

Medical tourism.

Traveling against a physician’s advice.

Operating a motor vehicle without a license.

» Learn more: How much is travel insurance in 2023?

Is WorldTrips travel insurance worth it?

WorldTrips insurance offers multiple plans for U.S. travelers looking for trip insurance and medical coverage abroad as well as non-U.S. travelers and students looking for medical coverage in case of an unexpected injury or illness.

If you travel once or twice per year, WorldTrips offers several comprehensive single-trip policy options that are worth checking out. However, if you need an annual plan, you'll want to look elsewhere.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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World Cruises

Protect your journey with world cruise travel insurance.

Experience the allure of world cruises, where you can indulge in the beauty of captivating landscapes, explore historic cities, and immerse yourself in diverse cultures across multiple destinations worldwide.

As you set sail on this extraordinary journey, it’s essential to safeguard your trip with Worldwide Cruise Travel Insurance, a must-have that ensures peace of mind throughout your round-the-world cruise.

Be Prepared with Round the World Cruise Travel Insurance

While embarking on a world cruise promises extraordinary experiences, unforeseen complications can disrupt even the most carefully planned trip. From unexpected events that lead to cancellation to onboard accidents or medical emergencies that mean disembarking and getting to an on-land hospital for treatment. Worldwide Cruise Travel Insurance is your safeguard, providing cover to protect your significant investment in this once-in-a-lifetime journey, no matter where you are in the world.

Key Features of Cruise Travel Insurance for World Cruisers

Worldwide Cruise Travel Insurance provides peace of mind that you’ll be covered for emergency medical treatment, including treatment for any pre-existing conditions (once declared and accepted) and repatriation. Cancellation cover is another important aspect of your round the world cruise insurance , especially as some cruises can cost thousands of pounds and are often booked well in advance.

Cover Options and Additional World Cruise Benefits

We provide World Cruise Travel Insurance, but some insurers do have caps on age, depending on the type of policy you want (Annual or Single Trip), the duration of the cruise and the places you plan to visit.

All insurers at Just Travel Cover cover cruises, and some provide additional benefits specific to cruising, such as cruise interruption, missed port departure or cabin confinement cover.

Safegaurding Your World Cruises Investment

With our insurers, you can enjoy standard cover of up to £12,500 per person for trip cancellation, ensuring your investment is protected from unforeseen circumstances. For high-value cruises, you have the option to get increased cover up to £50,000 per person through a simple phone call (terms and restrictions apply). To accommodate the extended planning period of world cruises, our policies allow you to secure cover up to 18 months in advance.

Embark on Your World Cruise with Confidence

No matter where your adventure takes you—from the sunny shores of the Caribbean to the ancient wonders of the Mediterranean or the exotic landscapes of Asia and beyond – Cruise Travel Insurance has you covered.

Explore the endless possibilities and awe-inspiring destinations that await you on your World Cruise. Request a quote today and sail with confidence, knowing your World Cruise Travel Insurance is there to cover any unexpected bills.

Travel Insurance for World Cruises FAQs

Frequently asked questions about Travel Insurance for World Cruises .

Is Travel Insurance necessary for world cruises covering multiple countries?

Absolutely! World cruises covering multiple countries present unique challenges and potential risks. World Cruise Travel Insurance provides essential protection against unforeseen events, ensuring your journey around the world remains smooth. Make sure to list each destination you will be visiting while obtaining a single-trip policy to ensure we can offer you appropriate cover for your round the world cruise.

Do I need Travel Insurance for each destination on my world cruise?

You must be covered for each destination you are visiting on your world cruise, but this can be within the same World Cruise Insurance policy. You can take a single trip policy where you must list all countries you are visiting and declare you are cruising, or an annual policy where you can select “worldwide”. If you’re going outside of Europe but not visiting the USA, Canada or the Caribbean, we can provide cover for this over the phone. As the costs of medical treatment vary from location to location, listing each destination ensures you are covered with appropriate Travel Insurance for a world cruise, under a single policy.

What if I have pre-existing medical conditions? Can I still get Travel Insurance for my world cruise?

We understand that every traveller is unique, which is why we offer cover for hundreds of pre-existing medical conditions, including on our cruise insurance. By declaring your pre-existing medical conditions when obtaining a quote, we can tailor a cruise Travel Insurance policy to suit your specific needs, providing you with the cover and peace of mind you deserve.

Can I get a refund on my Travel Insurance policy if I cancel my world cruise?

You can cancel your Travel Insurance for a full refund in the first 14 days from purchase. However, cancellation cover starts immediately, so if you choose to cancel your holiday before you travel but after you buy insurance you are not always entitled to a refund. This depends on the insurer; some will provide a partial refund, some a full refund, and some no refund. 

I am going on a 111-night cruise. Can Just Travel Cover provide long-term Travel Insurance for extended cruise trips?

Yes, here at Just Travel Cover, we can provide tailored Travel Insurance for extended cruise holidays, including those over 100 days, or specifically 111 days. If you’re 79 or younger we can cover you for up to 124 days for your cruise around the world. This long-term Travel Insurance is ideal for holidaymakers setting sail on world cruises, ensuring that every aspect of your trip is protected. Our policy includes medical emergencies, repatriation, and generous cancellation terms, which means you can enjoy your 111-night world cruise with peace of mind and confidence, knowing that you are covered under our tailored Cruise Insurance plans.

What kind of cancellation cover does Just Travel Cover offer for long cruises?

We understand the significant investment you make in long cruises around the world, and that’s why we offer a standard cancellation cover of £12,500 per person. For those requiring protection for a higher-value world cruise, we also have a Top Up product that can extend this cover up to £50,000 per person, ensuring that you are well-protected against unforeseen events that mean you need to cancel (terms apply). Speak to one of our advisors today if you are interested in this.

Our Latest Blogs

Knowing which cruise is right for you will enhance your experience, so researching before booking is essential. Diving into our blogs in the Cruise Hub may help you learn more about the cruise holiday you’re searching for.

Essential Items to Pack for an Ocean Cruise

Oct 31, 2023 | Cruise

Embarking on an Ocean Cruise is an opportunity to explore shores, enjoy sea views, and experience plenty of cultural exchanges. Before you dive in,...

Packing Essentials for your Cruise Around Europe

There's nothing quite like drifting along the European coast, docking at historical ports, and immersing yourself in one of the many rich cultures...

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The World's Best Travel Insurance for Long-Term Travelers

Updated: May 25, 2024 • by Thomas K. Running

While there are many types of insurance you might buy as a digital nomad or long-term traveler, the most essential is usually travel insurance—specifically a comprehensive “travel health insurance” policy.

Some of us may also need global primary health insurance (often called expat health insurance).

To help you determine the right type of insurance for your situation, I’ve created a short, interactive quiz. No personal data or contact details required!

In short, as long as you’re covered for long-term health care in your “home country” or somewhere else where you have the legal right to live indefinitely, a travel health insurance plan that covers medical costs in case of accidents and serious illness abroad is what you’ll need. And that’s what I’ll cover in this article.

Insurance coverage for COVID-19 🦠 Although the COVID-19 now has significantly less impact on travel than it once did, it’s still useful to know which insurance providers offer coverage. It’s very common for insurance policies to contain general exclusions regarding epidemics and pandemics, meaning it’s not a given that expenses related to the coronavirus outbreak will be covered by your policy. Check with your insurance provider to be certain what’s covered. SafetyWing fully covers COVID-19 related illness as of August 1, 2020. They even cover PCR tests if deemed medically necessary by a doctor. Read more here . World Nomads also cover emergency medical assistance if you get COVID-19 overseas including medical assistance, repatriation and hospitalization benefits. This is for both their Standard and Explorer plans. Helpful resources: Worldwide travel restrictions (IATA) Information on country-specific measures (US State Department) WHO’s COVID-19 pages CDC’s coronavirus pages

Table of Contents ↺ Coronavirus update Should you insure your stuff? The alternative: Self-insure for the little things Getting the right insurance Travel Health Insurance Emergency Evacuation Travel Insurance Things to note when picking your policy The Showdown SafetyWing World Nomads True Traveller IMG Travel Health Insurance Other insurance providers worth looking into Common questions (FAQ)

Should you insure your stuff? 🎒

While some insurance is important, I’d recommend against getting too much insurance. Keep in mind that, on average, getting insurance doesn’t pay off financially. The insurance companies need to collect enough in premiums to cover not only claims (legit and fraudulent) but also their own staff, marketing, and profit margins.

My personal policy is to insure against the unlikely events that would ruin me financially.

Yes, it sucks having to pony up $2,000 for a new MacBook Pro if it were to get stolen or destroyed. But is it worth paying $500 dollars for certain every year, just in case? Only if you cannot possibly manage to save up a few thousand dollars as a buffer or make do with a less expensive laptop for a while in case it breaks and can’t be fixed at a reasonable price.

If someone stole all the belongings that I travel with—including the clothes I was wearing and the phone in my pocket—it would cost me about $6,000 to replace it all with brand new items.

While painful, that definitely wouldn’t put me in debt. And the likelihood of it happening in the first place is quite slim. Hence, I won’t waste any money insuring my possessions.

The alternative: Self-insure for the little things 💰

Most people are paying way too much in insurance premiums. I can appreciate that you might value the extra peace of mind that comes with knowing that you’re covered no matter what happens.

But if you start doing even rudimentary back-of-the-envelope calculations, it becomes clear that you’re throwing money out the window.

Instead, consider this approach.

Get quotes for insuring everything you instinctively want to insure. Missed flight connections. That camera you bring along but almost never use. Your smartphone. Your laptop. Baggage delays. Petty theft. And, of course, emergency travel health insurance.

Get quotes for everything with zero deductibles if possible.

Let’s say your total yearly premium comes to $3,000.

Then look at what you would be paying if you only get insurance for the stuff that would ruin you financially. In other words, probably only emergency health insurance.

Pick the highest deductible you’re comfortable with. At the very least a couple of hundred dollars per year. Remember, your goal is to never actually have to use the insurance, so it’s better to pay less every year and potentially a bit more in the year where you actually need to rely on your policy.

Say you end up with a premium of about $500 per year. As you’ll see later, that’s a very easily attainable number.

Now, buy the cheap insurance with the high deductible. Every year, put the money you saved ($2,500 in this example) in a high interest savings account (or even better, a low-cost index fund or ETF ) earmarked for situations where you would have relied on the expensive, all inclusive insurance.

Now sit back and watch your own personal insurance fund grow ever larger year by year. Whenever you need to pay for something that would have been covered by the more expensive insurance (including deductibles), just withdraw the money to cover it from your own insurance fund.

As an added bonus, you don’t even have to fill out lengthy claims forms, go hunting for old receipts for your valuables, and fight with claims agents that are trying their very best to find loopholes to avoid paying you what you’re rightfully owed.

Getting the right insurance

Let’s take a look at the different types of insurance you should consider getting for your trip.

Travel Health Insurance 🏥

Even if you’re covered for health expenses in your home country, it’s important to be covered for emergencies abroad.

What would happen if you’re in the US, or Japan, or Australia (or even countries where health care is cheaper), and you get a debilitating disease or end up in an accident that has to be treated locally?

You’ll very quickly end up with medical bills in the tens if not hundreds of thousands. Unless you have insurance, that is.

A good emergency medical travel insurance will take care of any costs of any life-threatening treatment you get locally.

It’s important to note that most travel health insurance policies are not “primary” health insurance policies . They rely on you being entitled to treatment somewhere and will ship you there if needed for long-term care.

So even if you get travel health insurance, it’s important that you make sure you’re covered for long-term treatment at “home”.

If that’s not the case, you should check out our article on worldwide primary health insurance .

Emergency Evacuation 🚁

Many travel health insurance policies come with built in emergency medical transportation or emergency medical evacuation as it’s often called. There are also standalone evacuation memberships, which tend to be quite a bit more expensive for similar coverage.

What exactly is covered by such policies, what limit is sufficient for your needs, and do you actually need it?

Usually, an emergency evacuation policy will kick in when the initial hospital or medical facility is not suited to provide the appropriate care for your medical emergency.

The decision to move you elsewhere will usually be made by the local doctor and your insurance company’s medical advisor.

While the policy will cover transportation to a suitable hospital, the medical costs on arrival are not covered—unless part of a travel health insurance policy . In other words, the standalone evacuation memberships usually only cover you until you’ve reached the hospital.

Due to their nature, emergency evacuation policies are most essential if you’re often hiking in remote areas, traveling or staying long-term in less developed countries, etc. If you’re spending most of your time in large cities in developed countries, it’s less important. In that case you should just make sure you’re covered for individual trips you make where it can come in handy.

The policy limits usually range from $25,000 up to millions or even unlimited . Since evacuation costs can get really high in extreme cases, I’d recommend a policy with at least a $100,000 limit. Perhaps even more if you’re traveling in very remote and underdeveloped areas.

Travel Insurance 🛫

Although all the different types of policies we have covered so far could fit under the umbrella term travel insurance , in this section I am referring to things like delayed or lost baggage, missed flight connections, car rental insurance, and so on.

If you have it included in a credit card or similar for free, then of course it’s worth having. Rental Car insurance can save you some money as well, but make sure to read the fine print.

Many travel health insurance policies include some coverage for these things as well, so if you’re anyway getting that kind of insurance (which you should) and the price differential is small, it can be worth to get it bundled. As you’ll see below, my recommended all-in-one insurance (SafetyWing) is actually cheaper than the already affordable health-only insurance from IMG.

If on the other hand you’re not covered through your credit cards or other insurance you already have, spending money on a dedicated travel insurance is usually a terrible deal bordering on pointless. There are a few reasons why this is the case:

• It’s very unlikely that anything will happen, and if it does the insurance policy probably has an exclusion
• If something happens, it will be relatively cheap to deal with on your own
• In many cases you can get compensation from airlines or others, even without insurance

Let’s take one example; missed flight connection insurance . Most policies require from two to four (!) hours in between flights to be valid.

Ask yourself, how often are you traveling with connecting flights on separate tickets? Perhaps occasionally, but likely not that often.

And how many flights are more than two to four hours delayed? Only about 0.1% to 1.5% of flights, depending on airlines (US airlines generally coming out behind).

Assuming you mostly fly on through tickets and only have a handful of risky connections on separate airlines per year, that’s a very slim chance (perhaps 1-2%) that you will miss a flight connection on separate tickets in a given year. And even if you did, the expected cost of an average replacement ticket is only a few hundred dollars.

That means, even with as much travel as most nomads do, the expected financial loss of missed connections is only a few dollars per year. So skip the insurance, and put the money saved into your own self-insurance fund .

Things to note when picking your policy

• Usually whenever you extend your policy (technically, when you enter a new period of coverage ) any things that happened before the extension will now be treated as pre-existing conditions , and will often no longer be covered.
• You’re a legal (tax) resident of that country. If you’re traveling long term you might not be.
• For trips of a certain length (often 30 or 60 days, but I’ve also seen 90 days) before you have to return to your home country. Many even require you to have purchased round trip flight tickets before embarking on your trip for your coverage to kick in.
• If it’s a credit card policy, if at least 50% or even 100% of the trip costs have been pre-paid with the card in question.
• Many insurance policies (even some of the ones included in this article) limits the number of visits you might make to your home country during the lifetime of the policy. Say you purchase a typical one-year policy, and you happen to visit your home country for any reason more than once in that period, the rest of your policy will be canceled with no refund given.
• When it comes to deductibles, look out for whether the deductible is per incident or per policy period (which can typically extend to a year). The latter is clearly better, since if you already had to pay the deductible once, you don’t have to pay it for the rest of the period/year.

The Showdown 🥊

In the rest of this article I will compare some of the most popular and well-suited insurance policies for digital nomads and long-term travelers who already have some sort of primary health insurance cover at home.

I’ve included policies that meet these basic requirements:

• It should be possible to buy and renew the insurance while already traveling.
• The policy should be available to the residents of many, if not most or all, countries.
• There should not be any upper limit for how long you can travel before returning home.

Note that all prices are rounded to the nearest dollar.

SafetyWing is my personal recommendation for digital nomads seeking affordable insurance with decent coverage. It’s what I was using myself when I was a bit more nomadic.

One thing that resonates when it comes to SafetyWing is that their long term goal is to offer a complete suite of products to build a country-independent social safety net for freelancers and digital nomads . I think that’s really cool!

In addition to the travel health insurance described here, they also offer Nomad Health , which is a full-blown worldwide primary health insurance plan . If you don’t have health coverage in your home country, check that out!

On the other hand, the product which I describe in this article is marketed as a digital nomad travel insurance —perfect for when you have primary health coverage coverage at home, but need coverage for your travels.

And compared to the alternatives, it is both a really good value and offering some genuinely useful features that I know many of you will appreciate.

In many ways it’s even more comprehensive than the competitors, but still only a fraction of the price.

Some highlights:

• Recurring billing . Pay monthly just like you would for Spotify or Netflix without having to decide upfront for how long you need the policy. Why other companies don’t offer this is to me a complete mystery.
• The lowest cost of any company in this comparison. For a worldwide excluding the US policy you’ll pay about $57 per month, while most comparable companies charge over $100 for a less convenient product.
• A yearly deductible . While most companies charge a deductible for each claim, SafetyWing will cap your deductible at $250 per policy period (which—as long as you keep your subscription running—equals 364 days).
• No deductible at all for many types of claims , including emergency dental, emergency medical evacuation, repatriation of remains, crisis response, emergency reunion, bedside visit, trip interruption, accidental death and dismemberment, lost checked luggage, travel delays, personal liability and a bunch more.
• Home country coverage . While most of the competitors might void the rest of your policy if you visit your home country, SafetyWing’s policy will even cover you in your home country for up to 30 days per 90 days of insurance.
• Covers private health care . No need to go to a public hospital or doctor in a third world country when there’s a much better private one available.
• They support direct billing to most hospitals and clinics in their extensive, worldwide network (searchable via your online account page). You can still opt for a different medical provider, but you’d generally have to pay out of pocket and be reimbursed later.

Some things to note:

• At $105 per month , it is quite a high price if you order their US inclusive policy for a long time. If you are planning on visiting the US, you’re better off getting the US cover only while you’re in the country and switch back to the non-US cover as soon as you leave.
• After 364 days of coverage, the insurance will lapse if you don’t actively renew it. Luckily that’s as simple as clicking a link in an email that will be sent to you before your current policy expires.

Pricing for a 35 year old nomad who’s already traveling:

For recurring policies longer than 28 days, payment is only due every 4 weeks , so you don’t have to pay for a long policy in advance , unlike virtually any other insurance company.

Full policy wording

World Nomads

They might have been innovative a decade ago, but today I sincerely believe most bloggers are only recommending them due to financial incentives (they pay bloggers—including me—for referrals) or plain ignorance. Or perhaps a combination of both?

What they offer might have been revolutionary 10 years ago (travel insurance that could be purchased and renewed while already traveling), but today there are better alternatives available.

I’m really not sure what World Nomads offer that can justify the more than triple price, but my hunch is that it’s mostly due to brand recognition rather than any tangible benefits to you as a customer.

If you get their most expensive package, you do get pretty good extreme sports cover, although they have recently become much more restrictive here than before—without that being reflected in the price.

Highlights:

• They support direct billing , at least in some circumstances. In my only experience being hospitalized while covered by their Explore plan, I still had to pay the hospital myself and got the settlement about 6 weeks later. But they do claim that they can arrange direct billing, so I assume they would help out if the claim was a bit bigger (mine was only about $1,300).
• Decent extreme sports cover in their most expensive package (although not as good as it used to be).

Things to note:

• Since World Nomads use different insurance providers depending on your country of residence the insurance price, terms, limits and benefits vary from one country to another . Be extra careful to read the full policy wording for your country of residence.
• Extensions are expensive . Say you take out and pre-pay for a long-term policy, you would pay about $75 to extend your policy with a mere week (assuming you’re from the US and on the Explorer plan).
• You’re only allowed return home once during the entire duration of your policy. If you’re a nomad with a home base, or you tend to return home to visit friends or family on occasion, you’re effectively not able to buy a long term policy to save money. Instead you’ll have to buy a series of short and expensive policies. They do however have an exception with their Explorer plan . If you have to return home due to injury or serious illness, or the injury, serious illness, or death of a close relative, they allow you to resume your trip with the same coverage as before.

I’ve used World Nomads a bit in the past (with BUPA Global as the insurance provider) and while the claims involved lots of paperwork they usually were handled fairly. Payouts weren’t super quick, and I had to send them a few reminders before the claims were settled.

The only time I had an issue (which was at least partly my fault) was when I waited until only a few days before the expiry of my current insurance policy before extending it. In that brief time window a close relative first got very ill and later passed away. Since the relative became ill before I had ordered the extension (even though I was unaware of it until a few days after and she only passed away into my new policy period, since it was no longer “unexpected”), they refused to cover my round trip tickets back to Europe so I could attend the funeral.

According to the policy wording they were of course in the right, although someone more understanding could have used their discretion to decide otherwise. Anyway, with the auto-renewal feature that SafetyWing offers this would have been a non-issue.

Note that pricing for World Nomads depend on your country of residence. To get the long term discounts you have to order and pay for the whole period in advance . Extensions are charged at non-discounted prices and will start a new policy period. If you’re at all unsure about how long you need your policy, you’re much better off using SafetyWing’s subscription feature or another insurance provider with cheap extensions (also like SafetyWing, and IMG below).

Base price of a Standard/Explorer plan for a 35 year old traveler from the UK (prices converted from GBP at the time of writing):

Base price of a Standard/Explorer plan for a 35 year old traveler from the US :

The policy wording varies depending on your country of residence . To see the full policy wording, you have to request a quote where you enter your country of residence. On the next page look for the section “View full description of coverage,” and click the View button under the heading of the plan you are interested in.

True Traveller

This is a popular provider, particularly in the UK. Their insurance is only available to residents of the UK and other countries in the EEA.

Their cheaper plans are quite affordable—especially if you pre-pay for a year or more—but they are also quite limited and restrictive in what they cover. Adding various extras will quickly increase your premium.

• No limit on home visits , however you are not covered while in your home country .
• They have lots of good reviews on Trustpilot , for what that’s worth.
• They will strive to arrange direct billing for covered medical treatment surpassing £500. Below this you’ll generally pay out of pocket and be reimbursed once your claim is processed.
• Extensions cost a lot . E.g. if you had a 52-week policy (costing $462 with no extras) you would pay a whopping $50 to extend your policy by a mere week.
• Only available to current EEA residents . If you are a full-time nomad or have a base outside of the EEA, you likely won’t qualify even if you’re from the EEA.
• Does not cover private medical treatment unless no public treatment is available. Personally, I was really happy that my insurance covered private hospital stays when I got hospitalized in India a few years ago. Just saying. Update: True Traveller responded below , clarifying what this policy means in practice.

Base price* for a 35 year old nomad who is already traveling (prices converted from GBP at the time of writing):

* Their pricing changes massively depending on which extras you include. A 7 day policy ranges from £51 to over £300 depending on your selections. A 52 week plan can get as pricy as £1,511 with all extras selected. In this table I’ve included their mid-range package (“Traveller”), with zero extras and a £75 deductible per claim.

Policy wording

IMG Travel Health Insurance

This is an affordable travel health insurance, which does not include any non-health related benefits (unlike the previous options).

IMG is a financially solid company, with some of the best prices out there. For a reasonable health-only policy it’s a popular budget option, but be aware that they have a reputation for slow claims handling and sticking to the letter of the policy wording beyond what some people would find reasonable.

• Flexible deductibles , so you can select a high one and reduce your premiums.
• The deductible is only payable once per 12 months of continuous coverage (like SafetyWing ).
• Extending and renewing your policy is a lot cheaper than e.g. World Nomads and True Traveller, so if you find yourself needing your policy a bit longer than expected, it won’t break the bank. Extending this way will start a new policy period, however, (unlike SafetyWing’s subscription) which means issues that already arose while traveling will be treated as pre-existing and no longer covered.
• This is a travel health only policy , and will not cover things like trip interruption, travel delays, lost luggage, etc. It is still more expensive than the SafetyWing insurance , which includes those things. Also note that it’s still not primary health insurance , so you still need to be covered in your home country.
• Your insurance will be terminated if you return to your home country for more than 14 days, or at all if your home country is the United States or you returned home for medical reasons.
• They generally don’t support direct billing (i.e. the hospital or doctor billing them directly), which mean you might have to pay pretty hefty medical bills out of pocket and then wait for your claim to be processed before you will be reimbursed.
• The plan which includes travel in the US is not available to US residents .

Pricing for a 35 year old single traveler ( travel health only , $500,000 limit, $250 deductible):

Policy documents:

• Patriot International (excluding travel to the US)
• Patriot America (including travel to the US)

Other insurance providers worth looking into

Genki is a travel health insurance product, so it doesn’t come with any typical non-health-related insurance benefits, however we feel it deserves a mention as it is designed specifically for digital nomads.

While it still has few public reviews on websites like trustpilot.com, it is backed by both Dr-Walter and Allianz, so we see it as a trustworthy newcomer to the travel health insurance market.

They offer their product for travel to every country on the planet—upon questioning them on this, they said “even North Korea” 😆.

It is based on a monthly subscription, and you can choose to be covered with their “Worldwide” plan or “Worldwide excluding Canada and the US”.

It’s a little more expensive than some of the travel insurance products available starting at $69 per month or $134 per month if you want coverage in Canada and the US—however it has quite extensive coverage. COVID-19, travel costs for family members to visit your hospital in case of a medical emergency, mental illness, sports-related injuries (only sports that are not considered dangerous activities—hiking, surfing, skiing, snowboarding, biking, kayaking, etc are covered), pregnancy (except pre-existing), and emergency dental care are all included in their list of benefits.

Additionally, it is an insurance partner with Air Doctor , a platform that connects you with doctors worldwide, allowing you to schedule either in-person or online appointments. The benefit to being their insurance partner, is that if you book a doctors appointment through Air Doctor, all the insurance claims will be handled directly between Air Doctor and Genki, meaning you won’t have to pay anything up-front.

Finally, in most cases there is no overall limit in medical cost cover, and they offer 24/7 emergency assistance and direct billing. They will cover emergencies in your home country as well for up to 6 weeks per 180 days.

While not available everywhere, Allianz is an insurance company with a good reputation and (sadly also) premium prices. They tend to be a bit pricier than the options we’ve looked at so far.

Click here to see if they offer their travel insurance product in your home country.

Note that they often require you to purchase your insurance before departing on your trip, making it a poor choice for most nomads.

Similarly, like Genki , Allianz is an insurance partner of Air Doctor .

Common questions (FAQ)

• Q: Will airlines compensate me for lost or delayed luggage?

A: Yes, up to certain limits which depend on the route you fly. For lost luggage on international flights, usually it’s limited to about $1,600 (or 1,131 Special Drawing Rights , to be exact). The limit is $3,500 for domestic flights in the US. For delayed luggage , the practice varies a bit from airline to airline, but generally they either give you a one-off payment to cover essentials or reimburse you based on reasonable and necessary expenditures resulting from the baggage delay when seeing receipts. They will also reimburse you for damaged luggage on the same basis (on seeing receipts documenting expenses).

• Q: Why do I have to fill in my country of residence when purchasing travel insurance? I’m traveling full time, with no fixed address anywhere.

A: While each insurer’s definition of “country of residence” will differ, they generally want to know where to send you in case of serious injury or if you need long-term treatment. So you should choose a country where you have (1) a place to stay (perhaps with family or friends), (2) will be covered by either private or public health insurance to take care of your long term medical bills, and (3) somewhere you have unlimited and unrestricted access (i.e. you don’t need a visa to enter, so typically where you’re a citizen, permanent resident, or—for EU/EEA citizens—all of the EU/EEA). While most of the providers listed in this article won’t require you to be a legal resident you should still read your policy wording carefully, exceptions do occur for certain nationalities with certain providers. Note that many insurance providers offering insurances to citizens or residents of a specific country will require you to be a legal resident there, and also in some cases part of the national social security or health insurance scheme.

• Q: When should I buy the insurance? Can I wait until I depart or already traveling?

A: While the providers listed above all allow you to purchase your policy while traveling, it is better to get it ASAP —ideally as soon as you have your departure flights booked or at least know your departure date. The insurance won’t cover anything that happens until after you buy the policy. So if you for some reason (e.g. medical) you can’t depart when scheduled, and you haven’t purchased the insurance before the issue arises, you won’t be covered. Typically there are also quite a few exclusions to the insurance cover in the first few days after you buy the policy (to combat insurance fraud), so that’s another good reason not to wait.

• Q: How do I know if a plan is good enough for a visa application?
• A: Some countries require you to have travel health insurance before applying for certain visas or entering the country as a visitor. This includes Australia, Canada, the United States, Ecuador, and the entire Schengen area (most of Europe)—among others. Usually the requirements include emergency health cover with varying limits, emergency repatriation to your home country, and a few more things. The providers listed in this article should be good enough for most—if not all—visa applications around the world, but if you’re unsure you can always reach out to the insurance company to make sure. To learn about the visa and entry requirements for various countries, check out the free services listed in the visa section of my travel tools article —particularly Timatic and TravelDoc.

Tips that will make your life a lot easier in a pinch

• Get in the habit of scanning all receipts , medical docs, etc, with your smartphone, and add it all to Evernote, Google Keep or a similar application that can be accessed on both your phone and online. Also do this for any expenses you have as a result of delayed luggage or flights, plus receipts when purchasing anything you will travel with (e.g. clothes, electronics, travel gear, valuables) in case you have to submit a claim at for it at a later date.
• Keep digital (and optionally paper) copies of your essential travel and financial documents , such as passport, driver’s license, visas, entry stamps, etc. Store your debit and credit card information in an encrypted password manager (like LastPass).
• Always bring both a travel-friendly debit and credit card , plus ideally leave a backup credit card at home or with some trusted friends, which you can use to make online purchases in case the cards you bring with you are lost or stolen. Accommodation (which can include breakfast), flight tickets, etc can usually be booked and paid for online.
• Keep a paper copy of your insurance card in your wallet and/or passport. In case of an accident, it’s good to have the relevant contact and policy information on hand. You might not even be conscious yourself, so then the emergency response personnel can still find your information.
• Use the ICE (in case of emergency) feature on your smartphone . That way emergency response or medical personnel can contact your specified ICE contacts without unlocking your phone, and also see potential allergies, blood type, and any other information you have included. It’s a good idea to also include a paper copy of this information in your wallet or on the back of your insurance card.

I hope you enjoyed the article! Hopefully it can save you both money, hassle, and maybe even your life.

Feel free to add any questions and comments (particularly your own first-hand experiences with different providers) in the community thread or below.

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Travel insurance

WorldTrips travel insurance review 2024

Jennifer Simonson

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 9:26 a.m. UTC June 28, 2024

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Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008.

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Why trust our travel insurance experts

Our team of travel insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

About WorldTrips travel insurance

WorldTrips Atlas Journey travel insurance plans provide customizable travel insurance coverage at a competitive price. Depending on the type of trip you are planning, you can customize your travel insurance coverage by adding upgrades such as pet care and adventure travel. 

In this WorldTrips insurance review, we break down the insurer’s three main insurance plans, share sample pricing for its top-rated travel insurance plan and explain some common policy exclusions.

WorldTrips travel insurance plans

WorldTrip’s Atlas Journey travel insurance plans include medical coverage and trip interruption coverage for both domestic and international trips. The three travel insurance plans — Elevate, Explore and Escape — allow you to select the plan with the appropriate amount of coverage to meet your travel needs. 

Atlas Journey Escape

The WorldTrips Atlas Journey Escape plan was designed for travelers who are looking for basic coverage on their next vacation or business trip. 

The plan includes all the basic travel insurance coverages such as trip cancellation, trip interruption, trip delay, medical coverage, medical evacuation and baggage coverage. 

Of the three plans, the economy plan offers the lowest payout benefits. The travel medical insurance limit is only $50,000 per person in excess coverage. This coverage limit might be fine when traveling through the United States where your primary medical insurance would cover any emergency medical situations. However, if you are traveling internationally through countries that do not accept your domestic health insurance , you might want to upgrade your plan to include more medical coverage. 

Atlas Journey Explore

The WorldTrips Atlas Journey Explore plan includes everything the economy plan does, but increases the coverage amount for every benefit. This plan gets 5 stars in our rating of the best travel insurance . 

Atlas Journey Explore provides the same interruption benefits as the top-tier Elevate plan, but offers lower limits for trip cancellation , emergency medical evacuation , delays, missed connections and baggage insurance. 

The biggest difference between the Explore and the more expensive Elevate plan is that the Explore plan offers up to $150,000 in primary emergency medical coverage while the Elevate plan offers up to $250,000.

Atlas Journey Elevate

The WorldTrips Atlas Journey Elevate plan is the crème de la crème of the WorldTrips trio of plans. It offers travelers the highest payout benefits of all the plans, which is especially important for those traveling overseas. This plan also gets 5 stars in our rating of the best travel insurance.

Compare WorldTrips travel insurance plans

What worldtrips travel insurance covers.

The core types of travel insurance packaged together in WorldTrips Atlas Journey policies include:

• Sickness or injury that renders you or your traveling companion unable to travel. 
• Death of a family member, traveling companion or business partner.
• Severe weather that causes your common carrier to shut down for more than 12 hours. 
• Terrorist incident or civil unrest in your destination. 
• Emergency medical expenses: Travel medical insurance helps pay doctor and hospital bills and emergency evacuations if you get sick or injured on your trip.
• Travel delay: If your trip is delayed for five hours or more due to a reason listed in the policy, travel delay insurance can help cover the cost of accommodations, meals and local transportation while you are delayed. 
• Baggage: Baggage insurance includes lost or stolen baggage, excessive baggage damage and baggage that is delayed more than 12 hours.
• Travel Assistance Services: Multilingual travel agents can provide worldwide travel, medical, emergency, and security assistance 24 hours a day, seven days a week. 

What WorldTrips travel insurance doesn’t cover

Like all travel insurance plans, WorldTrips plans will not cover everything. While it is always a good idea to read the fine print before buying a policy, here are some exclusions to WorldTrips travel insurance plans. 

• Traveling against the advice of a physician.
• Medical tourism.
• Intoxication. 
• Pre-existing conditions, unless you qualify for a waiver of the pre-existing condition exclusion.
• Participation in an organized sports competition or as a sporting professional.
• Participation in bodily contact sports, extreme sports and certain adventure sports.

WorldTrips additional coverage options and benefits

You can customize and enhance WorldTrips travel insurance plans with the following add-ons, provided they are available with the plan you choose and in your state. 

“Cancel-for-any-reason” (CFAR) coverage

A “cancel for any reason” upgrade allows you to cancel your trip for any reason not already covered by your trip cancellation benefit, as long as you do so at least 48 hours before your scheduled departure.

Explore and Elevate plan policyholders can choose to be reimbursed for 50% or 75% of their costs with CFAR. This optional coverage is not available with the Atlas Journey Escape plan. 

“Interruption-for-any-reason” coverage

The trip “interruption for any reason” (IFAR) upgrade reimburses 50% of your trip cost as long as you are at least 48 hours into your trip when you decide to end your travels early. This optional coverage is only available on the WorldTrips Atlas Journey Elevate plan.

Adventure sports 

This optional coverage extends your travel insurance to include safari activities, bungee jumping, hang gliding and other extreme activities. This add-on is available for the Explore and Elevate plans. 

Rental car damage and theft

This upgrade adds collision damage and theft coverage for rental vehicles. The rental car coverage is an available add-on for all plans. 

This upgrade adds trip cancellation or trip interruption coverage in the event of your dog or cat’s death or critical illness. It also adds vet care compensation if your dog or cat becomes ill while traveling with you. It’s available with the Explore and Elevate plans.

Compare the best travel insurance companies of 2024

Via Compare Coverage’s website

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024 . For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

WorldTrips insurance review FAQs

Yes, WorldTrips offers both annual and group medical insurance plans. 

• Atlas Group medical insurance plans offer a 10% reduced rate for families and groups of five or more when traveling abroad. 
• Atlas MultiTrip insurance is annual travel medical coverage for multiple trips abroad in a period of 364 days. 

Yes, WorldTrips offers travel health insurance for international students. WorldTrips’s Atlas America travel health insurance is for non-U.S residents and citizens who travel internationally to the United States. Atlas America insurance reviews online are overwhelmingly positive, with 96% of reviewers recommending the policy.

WorldTrips considers a pre-existing condition to be an illness, disease or other condition during the lookback period (90 days in most states) immediately prior to your effective date of coverage for which you received or were recommended to receive a test, examination or medical treatment or received a medical prescription. 

WorldTrips will waive the pre-existing conditions exclusion if you purchase your plan within 21 days of the date you made your first payment toward your trip and you are medically able to travel on the date of purchase.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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World Traveller

Round the World Travel Insurance for Happy Travel

Are you planning a trip?  Don’t forget your round-the-world travel insurance.

Circling the globe, stopping where your heart feels at home and picking up new places when the urge strikes – it’s the ultimate dream for travellers of all ages.

A round-the-world trip is ideal for travellers with the time, money (or the ability to make ends meet on the road), and desire – but it’s a suitable deal for those who simply can’t make up their minds.

There are two types of travel insurance plans: package plans with cancellation and travel medical plans without cancellation.

A round-the-world traveller typically does not worry about cancellation, and a travel medical plan will often include trip interruption coverage if you need to return home to deal with an emergency.

The Round the World Travel Insurance

This insurance policy is going to help you avoid a financial disaster in case of accident, illness or any other circumstance covered by your policy.

There is a common confusion between travel insurance and travel medical insurance.

The distinction between travel medical insurance and travel insurance is minimal.

Travel medical insurance is specifically designed to address health concerns.

Some countries have separate policies for travel insurance and travel medical insurance.

Most travel insurance policies cover medical emergencies, trip cancellation, trip interruption, delays, medical evacuation, and lost, damaged, or stolen luggage.

On the other hand, baggage delay, damage, and loss insurance do not cover everything in your luggage.

Glasses, hearing aids, dental bridges, tickets, passports, keys, cash, and cell phones are all common exclusions from travel insurance.

Is it required to have travel insurance?

No, travel insurance is not required in all countries.

Certain countries, such as the United Kingdom, Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxembourg, and the Netherlands, do, however, require proof of travel insurance when issuing a visa.

Tips for Getting a Round the World Travel Insurance

Following you are going to find some tips for getting around the world travel insurance in the best conditions:

1. Begin by stating how long you will be gone.

Determine the length of your journey.

We’ve heard that you can scream your way around the world in ten days, but we’re guessing that’s not the kind of trip you’re planning.

A round-the-world flight ticket has a maximum duration of one year – twelve months – but you can travel in as little as a few months or as long as a year.

2. Find out if you’ll have access to medical care.

Travellers who travel around the world are less concerned about having to cancel their trips than those who have less flexibility in their schedule, but medical risks exist everywhere.

In some countries, medical care – even that provided to foreign visitors – must be paid for in advance (except in emergencies).

Even in countries where everyone’s medical care is paid for by the taxpaying population, the patient is expected to bear at least a portion of the cost, which is where having an insurance provider who will arrange payment directly to the medical facility comes in handy.

3. Identify your regional risk.

Depending on your destination – for example, a remote jungle village versus a more urban itinerary – you will require more or less medical and evacuation coverage.

In any case, if you’re far from medical care, you’ll want to have a little more evacuation coverage.

Determine how much travel medical and evacuation is sufficient to determine how much you’ll require.

4. Be aware that some countries are not covered for travel.

Some travel insurance policies exclude coverage for specific countries. In some cases, those countries are listed in a current State Department travel warning or alert.

Many travel insurance policies, in particular, do not cover losses resulting from or caused by:

• an act of declared or undeclared war
• a U.S. government-designated act of terrorism
• civil unrest, political unrest, and riots

5. Take into account exciting possibilities.

If you like to travel on the adventurous side – for example, do some paragliding in Bali, heli-skiing in Switzerland, or SCUBA diving in Malaysia – you’ll need to look into covering those activities.

Activities that are deemed more dangerous are frequently excluded from travel insurance plans.

That means that if you break your ankle in a bad paragliding landing, you won’t be able to get medical care.

Some plans do not cover you above 15,000 feet in elevation if you enjoy mountain climbing.

Other restrictions apply to adventure activities.

6. More baggage coverage is preferable.

If you’re on a round-the-world trip, you may have rented or sold your home, stuffed your belongings into storage, or brought everything you need with you.

If your bag is stolen, you could be in big trouble for as long as it takes to replace everything that was stolen.

On a trip like this, a little more baggage coverage is preferable, and keep in mind that a travel insurance plan covers your baggage loss throughout your trip – in lodgings, on buses, and so on.

7. Plan ahead of time if you have a medical condition.

If you have a medical condition – perhaps one that is managed with medication – it is critical to consider this when selecting a travel insurance plan.

If your condition is new but will not interfere with your trip, review the pre-existing medical condition coverage to ensure you understand how it works.

If you’ve had your condition for a while and it’s controlled by medication, make sure you know how to replace those medications while you’re on the road.

Doing so, you avoid future problems when buying a round the world travel insurance .

Additional tips to count on

Top tips for student round the world travel insurance.

Numerous youths believe obtaining round the world travel insurance is an extremely ‘grown-up ‘ thing to do, and that only entrepreneurs with meetings around the globe or incredibly rich people that travel often are the ones that need it.

Yet that reality is a different story.

Additionally, students who are travelling for a quick quantity of time to smartly shut areas required to be successfully covered versus unexpected eventualities.

Yet the procedure doesn’t require to be challenging and also specifically difficult.

Here are a few suggestions.

Gap Year Travel.

Taking a void year is a custom taken up by lots of pupils, annually around the globe.

This implies there is a great demand for ideal round the world travel insurance coverage for these young travellers, particularly those who will certainly be seeing an additional country for the first time and also, potentially, alone.

Fortunately, there is a range of travel insurance coverage to cater particularly for individuals carrying out void year travelling.

An idea: a vital consideration when buying a policy of this kind is the precise period of your travel, in addition to the destinations covered – also if you are simply going through a country.

Extreme Sports.

Taking a trip to an international nation to take part in severe sports can have serious effects.

Unfortunately, there is constantly the threat of injury, the gravity of which you can’t visualize.

An additional consideration is that you don’t understand exactly where you are going to be harmed.

Whether it’s in the city where hospitals are quickly obtainable or in the centre of the timbers or up in the hills where it will certainly take hours before medical aid can show up.

While numerous kinds of travel insurance would cover fundamental medical emergencies, you will certainlybe requirede to get one that has more extensive coverage if you intend on carrying out any kind of extreme sporting activities or activities.

Some strategies specify the kind of sporting activities consisted of in their protection, so this offers you alternatives to choose from.

This is important when you get a round the world travel insurance.

Whether you’re preparing to go winter sports in the Alps or wild water rafting in Asia.

Going to More Than One Country.

Several trainee visitors will have several different countries on their plan, and while obtaining travelling insurance coverage for each destination can be a lot more costly, it is still a much better alternative than risking going to a country without it.

Generally, it’s not always simple to calculate just how much you will certainly be required to pay for a plan to cover you, but at least you are required to ensure you have clinical coverage as well as individual liability.

Speak with an expert to ensure you’re covered every action of the way.

Patrick Chong is the Handling Supervisor of Insuremore.

We provide low-cost travel insurance and also provide a variety of policies including an annual round-the globe travel insurance policy, single-trip, multi-trip and family insurance policy.

For all your travelling cover requirements, Insuremore can help you with the quickest and also most cost-efficient method.

So don´t underestimate the importance of a round the world travel insurance.

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The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Annual Travel Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for Basic Coverage
• Seven Corners: Best for Medical
• GeoBlue: Best for Expats
• Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

• Trip cancellation coverage worth up to between $2,000 and $15,000
• Trip interruption coverage worth up to between $2,000 and $15,000
• Emergency medical coverage worth up to $50,000
• Up to $500,000 in emergency medical transportation coverage
• Up to $2,000 in coverage for lost or damaged baggage
• Up to $2,000 in coverage for baggage delays
• Travel delay coverage worth up to $1,500 ($300 daily limit)
• Rental car coverage worth up to $45,000
• Up to $50,000 in travel accident coverage
• 24-hour hotline assistance and concierge service

SEE FULL REVIEW »

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

• Up to $2,500 in coverage for trip interruption
• Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
• Missed connection coverage worth up to $500
• Up to $2,500 in baggage insurance
• Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
• Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 in accidental death and dismemberment (AD&D) insurance
• Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

• Trip cancellation coverage worth up to between $2,500 and $10,000
• Trip interruption coverage worth up to 150% of the trip cancellation limit
• Up to $2,000 in trip delay coverage ($200 daily limit)
• Up to $1,000 in protection for missed connections
• Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
• $750 dental sublimit within emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $2,000 in coverage for baggage and personal effects
• Baggage delay coverage worth up to $1,000 ($100 daily limit)
• 24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

• Ambulatory and therapeutic services
• Inpatient hospital services
• Emergency medical services
• Rehabilitation and therapy
• Preventive and primary care

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

• Trip cancellation coverage up to $2,500 maximum per year
• Trip interruption coverage up to $2,500 maximum per year
• $200 per trip for trip delays (up to $100 per day for delays of 12 hours or longer)
• Up to $500 in coverage per trip for baggage and personal effects
• Baggage delay coverage up to $100 per trip
• Up to $10,000 for emergency medical expenses per trip
• Up to $50,000 in emergency medical evacuation coverage per trip
• Up to $10,000 in AD&D coverage
• 24-hour travel assistance services

Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

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